Terms of Service

Introduction

These Terms govern access to and use of Onebridge's authenticated environment, available at https://app.onebridgestalwart.com, and any other authenticated environment identified as part of the same service (the "Platform"). Acceptance occurs through an affirmative action — checking a box or clicking a button referencing these Terms and the Privacy Policy — before account creation or first relevant use. Onebridge records the version accepted, the date and time, the user and organization identifiers, and the IP address, keeping proof of acceptance for the period set out in the Platform Privacy Policy. When you act on behalf of an organization, the organization is the contracting party and you represent that you have the authority to bind it. These Terms apply together with the Platform Privacy Policy and, for organizations and partners, with the Data Processing Agreement (DPA).

1. Relationship to Proposals and Specific Contracts

The Platform organizes the relationship, documents, requests, billing, and delivery of services. Contracting each service depends on a proposal, service order, or specific contract. In case of conflict, the specific instrument prevails as to scope, price, timeline, deliverables, cancellation, professional liability, and other conditions of the service; these Terms remain applicable to the technological use of the Platform.

2. Who Operates the Platform and Who Contracts

The Platform is operated by Onebridge Stalwart LLC, Employer Identification Number (EIN) 39-3814073, with a postal address at 30 N Gould St, Ste N, Sheridan, Wyoming 82801, United States ("Onebridge"). Unless expressly stated otherwise in a specific instrument, Onebridge Stalwart LLC is the contracting entity for the services.

3. Eligibility and Authority

You must be at least 18 years old and have legal capacity. Anyone who creates or uses an account on behalf of an organization represents that they are authorized to represent it and to accept these Terms, and must immediately notify us if they lose that authority.

4. Account and Credentials

You must provide accurate information, keep it up to date, and protect your credentials. Accounts are personal and non-transferable. You are responsible for activity carried out under your account until you report unauthorized access, except for failures attributable to Onebridge or as otherwise required by law. Onebridge may require identity verification, additional authentication, or credential resets to protect the account and the organization.

5. Organizations and Permissions

An account may belong to one or more organizations. Administrators may invite or remove members and define permissions. The organization is responsible for keeping its member list up to date, granting the least access necessary, and promptly removing anyone who should no longer access the data. Onebridge may adjust permissions to correct an error, comply with a legitimate administrator request, protect data, or comply with a legal obligation. Internal disputes over representation may lead to a temporary block until authority is demonstrated.

6. Features

Depending on the profile and the service, the Platform may allow document review and submission; manual or automation-assisted form completion, using rule-based and AI-based automations; tracking of journeys and tasks; management of organization data; browsing the catalog; requesting services; accepting proposals; tracking billing and payments; notifications; and support. Content suggested by automations must be reviewed and confirmed before submission. Features may be added, changed, or removed for technical, legal, or business reasons, with notice when the change affects a service in progress.

7. Requesting and Contracting Services

Selecting or requesting a service starts a review but does not confirm the contract. Onebridge may ask for additional information, verify eligibility (including sanctions screening and fraud prevention), adjust scope, and present a specific instrument. Before acceptance, you will see a summary with the service, price, currency, what is and is not included, estimated timelines, cancellation and refund conditions, and your right of withdrawal, where applicable; you may correct information before confirming and will receive immediate confirmation of acceptance. The contract is formed upon express confirmation through the applicable flow.

Prices are displayed in U.S. dollars unless otherwise indicated. Taxes and duties that may apply in your country, government fees, translations, third-party expenses, and out-of-scope costs are included only when the specific instrument so provides.

8. Billing, Payments, Refunds, and Renewal

8.1. You must pay amounts by the dates stated in the proposal, invoice, or contract. The Platform may display payment status and forward it to a payment provider, whose terms may apply. Onebridge will never request your full banking password or authentication code through an unprotected message.

8.2. Refunds and cancellation. Unless a more favorable rule applies under the specific instrument or the law of your country, the following principles apply:

• (a) - government fees, third-party costs, and expenses already incurred on your behalf are non-refundable;
• (b) - where cancellation is allowed, the refund will be proportional to the steps not yet performed, net of work performed and documented;
• (c) - mandatory withdrawal rights will be honored in accordance with applicable law, including where you requested immediate commencement of the service;
• (d) - refunds will be made through the same payment method, within the period stated in the instrument and required by applicable law.

8.3. Disputes (chargebacks). If you dispute a charge with your card issuer without contacting us first, we may suspend the service, after notice, while the dispute is reviewed, and charge documented costs if the dispute is found to be unwarranted.

8.4. Automatic renewal. Recurring services, such as registered agent or annual compliance, renew automatically only if this is disclosed clearly and prominently before contracting, with specific affirmative consent. We will send advance notice where required by applicable law; in Florida, for covered contracts with a term of 12 months or more, notice will be sent between 30 and 60 days before the cancellation deadline. Cancellation will be made available through a method that is easy and consistent with how the contract was made.

8.5. Errors and reconciliation. Onebridge may correct manifest billing errors and request documents for reconciliation, fraud prevention, and regulatory compliance. Late fees, interest, and other consequences of late payment follow the specific instrument and mandatory law.

9. Content and Documents

You and the organization retain the rights to the content you submit and grant Onebridge and its authorized providers a limited, non-exclusive license, for the period necessary, to host, copy, organize, convert, automatically process, share, and use the content solely to operate the Platform, perform the service, provide support, protect rights, and comply with legal obligations. You represent that you have the right or authorization to submit the content and the personal data it contains, and that you will not submit unlawful material, material obtained irregularly, material protected by confidentiality without authorization, or material that infringes third-party rights.

10. Sensitive Data and Third-Party Data

Identity documents, financial, tax, immigration, family, and other sensitive information should only be submitted when requested or necessary for the service, through the fields indicated. Anyone who provides third-party data (including partners, dependents, and beneficiaries) represents that they have the legal basis and authority to do so, undertakes to inform those individuals about the processing (Onebridge provides a notice for this purpose), and authorizes Onebridge to collect directly from the individual any consent required by the law of their country.

11. Acceptable Use and Sanctions

You may not use the Platform to:

• commit fraud, money laundering, sanctions evasion, unlawful concealment of assets, or any other offense;
• infringe third-party rights, confidentiality, intellectual property, or data protection;
• access an account, organization, file, code, or system without authorization;
• share credentials, circumvent permissions, or disable security mechanisms;
• introduce malicious code, exploit vulnerabilities, run unauthorized tests, or overload the infrastructure;
• bulk-extract data, resell access, or reproduce the Platform;
• submit false content or mislead Onebridge, partners, financial institutions, or authorities.

As a U.S. company, Onebridge complies with the economic sanctions administered by the Office of Foreign Assets Control (OFAC) and does not provide services to persons, entities, or territories subject to restrictions; to that end, it may perform screening and refuse or terminate services.

12. Professional Services and Partners

Onebridge provides strategic consulting and coordination. When a service requires a professional license or an act reserved to a licensed profession, technical performance is carried out by the professional or entity licensed in the applicable jurisdiction, who may present their own terms. Onebridge is not a law firm, accounting firm, or financial institution. Onebridge does not guarantee approval by immigration, tax, banking, or registry authorities, nor any legal, accounting, tax, financial, or business outcome, without prejudice to its duty of diligence and disclosure. You remain responsible for your business decisions and for providing complete and truthful information.

13. Communications

Onebridge will send operational notifications about your account, security, tasks, documents, journeys, billing, and services by email, through the Platform, or through another channel you provide; these communications are part of the service and cannot be disabled while the account exists. Marketing communications are separate, identified as such, and can be stopped at any time through the unsubscribe link or your account preferences; where required by law, they will only be sent after you opt in. Keep your contact information up to date.

14. Confidentiality

Each party must protect confidential information received from the other and use it only for the authorized relationship. This duty does not apply to information that is public without a breach, already legitimately known, obtained from an authorized third party, or that must be disclosed by law or a valid order — in which case, where permitted, the disclosing party will give the other reasonable advance notice. The duty lasts for as long as the relationship exists and for 5 years after it ends, without prejudice to professional secrecy obligations that have no time limit. Upon termination, each party will return or delete the other's confidential information, except for copies retained under a mandatory record-keeping duty.

15. Intellectual Property

The Platform, its software, brand, interfaces, workflows, templates, standard content, and documentation belong to Onebridge or its licensors. Onebridge grants a limited, revocable, non-exclusive, non-transferable license for internal use for as long as the account remains active. Materials delivered under a specific service follow the corresponding contract; unless otherwise agreed, customized deliverables belong to the client after payment, and Onebridge retains its templates, methodologies, and know-how. Suggestions about the Platform may be used by Onebridge without exclusivity or compensation, provided they do not disclose your confidential content.

16. Privacy and Data Protection

The processing of personal data follows the Platform Privacy Policy and the mandatory rules of applicable law. Organizations and partners that enter third-party data accept Onebridge's Data Processing Agreement (DPA), available at https://onebridgestalwart.com/dpa, which is incorporated into these Terms by reference and prevails on the matters it governs. Users and organizations must comply with data protection law, respond to data subjects within their respective roles, and configure permissions according to their responsibilities.

17. Security and Incidents

Onebridge adopts measures proportionate to the risks to protect the Platform. You must immediately report any suspicion of compromise through the support channel, preserve evidence, and cooperate with containment efforts. Onebridge may block sessions, reset credentials, or restrict access where there is reasonable risk, and will report incidents in accordance with the Privacy Policy and the DPA.

18. Availability, Support, and Changes

Onebridge aims to keep the Platform available but does not guarantee uninterrupted operation. Maintenance, vendor failures, internet issues, security events, or force majeure may affect access. Significant scheduled maintenance will be announced with reasonable advance notice, when possible. There is no service level agreement unless provided for in a specific contract. Onebridge may update features for security, compliance, or improvement; changes that materially reduce a contracted service will be handled under the specific contract and applicable law.

19. Suspension, Termination, and Return of Data

19.1. The holder of an individual account or an authorized organization administrator may request account closure through the Platform's support channel or by email at hello@onebridgestalwart.com. Onebridge will confirm the requester's identity and authority, disclose the effects on linked users, services in progress, and shared data, and complete the closure once these checks are satisfied. Services in progress follow the specific instrument.

19.2. Onebridge may suspend access in the event of non-payment (after notice and a reasonable period to cure, except in cases of fraud, security risk, or legal requirement), security risk, unlawful use, a material breach of these Terms, a requirement from an authority, or the need to protect users and data. Where the situation allows, a reasonable opportunity to cure will be given before termination.

19.3. For 30 days after closure, the authorized administrator or the holder of an individual account may request the export of data and documents through the support channel or by email at hello@onebridgestalwart.com. Onebridge will provide the data in a common electronic format, such as PDF, CSV, or a ZIP file, depending on the type of content. Afterward, Onebridge deletes or anonymizes what does not need to be retained by law, litigation, an authority's order, or a valid instruction from the controlling organization, in accordance with the Platform Privacy Policy and the DPA. Paid documents and deliverables will be delivered before closure, except in cases of non-payment.

20. Limitation of Liability

20.1. To the maximum extent permitted by applicable law, Onebridge is not liable for indirect losses, lost profits, lost opportunity, or damages arising from false or incomplete information you provided, decisions by authorities, acts of partners outside Onebridge's reasonable control, unavailability of external networks, or use contrary to these Terms.

20.2. In business-to-business (B2B) relationships, to the maximum extent permitted by applicable law, Onebridge's total liability arising from these Terms is limited to the amount paid by the organization in the 12 months preceding the event giving rise to the claim. The exclusions in clause 20.3 prevail over this limit.

20.3. Nothing in these Terms excludes or limits liability that the law does not permit to be excluded or limited, including for willful misconduct, gross negligence, death or personal injury, breach of confidentiality, personal data protection duties, and consumer rights. In consumer relations governed by Brazilian law, the Consumer Defense Code applies; in the United Kingdom, the Consumer Rights Act 2015; in the EEA, national consumer protection law.

21. User and Organization Responsibility

You and the organization are responsible for your conduct, for the permissions granted, and for the legitimacy of the content submitted, and must remedy direct damages demonstrably arising from a breach of these Terms or of third-party rights, subject to due process, proportionality, and the mandatory limitations of applicable law.

22. Changes to These Terms

Onebridge may update these Terms. Material changes will be communicated on the Platform and by email with reasonable advance notice stated in the notification and will require re-acceptance on your next access; if you do not agree, you may close your account without penalty, and services in progress will continue under the prior conditions until completed. Changes required by law, an authority's order, or security may take effect immediately, with notice. Prior versions remain available.

23. Governing Law and Dispute Resolution

23.1. Amicable resolution. Before initiating any proceeding, the parties will attempt to resolve the dispute through good-faith negotiation within 30 days of written notice.

23.2. General rule. Unless otherwise provided in a specific instrument, these Terms are governed by the laws of the State of Florida, United States, and disputes will be submitted to the state or federal courts located in Orange County, Florida.

23.3. Services rendered in Brazil and individuals domiciled in Brazil. You may choose the Brazilian forum: Brazilian courts of your domicile have jurisdiction over disputes arising from services rendered in Brazil or relationships with individuals domiciled in Brazil, and mandatory Brazilian public-policy rules apply.

23.4. Consumers. Nothing in this clause displaces the law and forum of the consumer's domicile that cannot be displaced by contract. Arbitration will only be used with consumers by specific agreement entered into after the dispute arises.

23.5. Businesses. In business-to-business relationships, the specific instrument may provide for arbitration, mediation, or another forum; in that case, it prevails only if both parties have expressly accepted it. Mere acceptance of these Terms does not create an arbitration agreement or a waiver of class actions.

23.6. Data subjects. Rights and actions relating to personal data protection follow the data protection law of the data subject's country, including the right to complain to the competent authority.

24. International and Territorial Rules

The Platform and the services may be used in relationships between Brazil, the United States, and other countries. You and the organization must comply with the laws applicable to the content submitted, business activity, data protection, economic sanctions, export controls, and professional authorizations required in each jurisdiction. Onebridge may restrict a service or request documentation when necessary to comply with a legal obligation or an authority's decision. Supplementary notices will be presented before offering a service subject to additional local requirements.

25. General Provisions

25.1. Assignment. You may not assign these Terms without Onebridge's written authorization. Onebridge may assign them to a successor in a corporate transaction, with notice, while remaining bound by its obligations.

25.2. Entire agreement and survival. These Terms, the Platform Privacy Policy, the DPA where applicable, and the specific instrument constitute the entire agreement regarding use of the Platform. The confidentiality, intellectual property, liability, data return, and dispute resolution clauses survive termination.

25.3. Force majeure. Neither party is liable for a failure to perform caused by an event outside its reasonable control, provided it notifies the other party and takes steps to mitigate the effects.

25.4. Severability. If a provision is held invalid, the remaining provisions continue in force, and the invalid provision will be replaced by a valid one that preserves its purpose.

25.5. Language. These Terms will be made available in Portuguese and in English before any offering directed at audiences that do not use Portuguese. For individuals domiciled in Brazil and for consumers, the Portuguese version prevails; in other relationships, the English version prevails. Each translation must preserve the same material content and indicate the same version and effective date.

26. Contact

Onebridge Stalwart LLC — EIN 39-3814073 — 30 N Gould St, Ste N, Sheridan, Wyoming 82801, United States — hello@onebridgestalwart.com. Account and security matters should also be reported through the support channel on the Platform.